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Step 1: Insert the chip end of your card into the terminal with the chip facing up.

Step 2: Keep your card in the terminal throughout the transaction and follow the prompts.

Step 3: Remove your card when prompted. You may need to sign for your purchase.

Frequently Asked Questions:

What is Secure Chip (EMV) and what does it mean for me? Secure Chip cards, sometimes also called EMV cards, use a microchip instead of a magnetic stripe to store card data and protect your transactions from fraud. To make a payment at a secure chip terminal, simply follow the instructions above.

How is Secure Chip (EMV) more secure? The secure chip issues a single-use code for each transaction. That data is specific to the chip, making hacking the information more difficult. This adds an additional layer of authentication to each transaction, helping to validate the legitimacy of the payment.

What does EMV stand for? EMV stands for Europay, Mastercard, Visa, the three companies that created this new security standard. Because EMV uses increased data security, it is being adopted in the United States.

What is different about the new secure chip card design? The microchip is visible on the card under the Rivermark logo. You will also notice that the numbers and name on the card are flat printed instead of raised. Platinum & Rewards Visa, Business Debit and Business Credit cards will feature all new designs.

Member StoryIan's Rivermark Visa is half the interest rate he was paying on his big bank credit card.